Work with Joe and a team that knows your market.
Home purchase, refinance and renovation financing for homeowners and buyers. Joe leads a team of loan originators from his Melville, NY home office, with team members licensed in multiple states, and they stay with you from the first question to the closing table.
Financing for every stage of owning a home
Whether you are buying, refinancing or finally starting the project you have been putting off, we start with where you are today.
Buying a home
Purchase loans for first homes, move up homes and second homes, with a pre-approval that sellers and agents take seriously.
Renovation financing
Ways to fund a remodel, addition, roof or siding project, including options based on the value of the home after the work is done.
Refinance and home equity
Refinancing and cash out options that put the equity you have built to work, explained in plain English before you commit.
A clear path from first question to closing
Talk it through
A no obligation conversation about your goals, your home and your timing. No pressure and no hard sell.
See where you stand
We review income, credit and equity together and lay out the options that fit, including what to do first if you are not quite ready.
Move forward with confidence
Application, approval and closing with one point of contact keeping you updated at every step.
Everyone has a story. Joe starts there.
Joe Vultaggio is VP, Retail Market Leader at Cardinal Financial, leading a team of loan originators from the Melville office on Broadhollow Road. In his words, mortgage lending is more than selling loans. It is about helping people reach their homeownership goals, whether that means a better financial position or the home they have been dreaming about.
Joe and his team take the time to understand each client's story, match them with the right loan, and guide them every step of the way to the finish line.
5.0 out of 5 from 67 reviews
From Google and post-closing client surveys on Joe's Cardinal Financial profile.
“Joe was great from start to finish, checking in and updating us on the status of the loan all the way to closing. I would recommend him to anyone looking for mortgage service.”
Michael, client survey
“Joe was there with me every step of the way. Always available for all my questions. Made the right decisions for my loan.”
Diana, client survey
“Joe was very helpful and was very patient as we went through the whole loan process. He made the process less stressful.”
Dante, client survey
Straight answers from someone who makes the decision
- In house decisionsYour file is reviewed and decided by the lender you are talking to.
- Credit conversations without the fearIf something on your report needs work, you get specific next steps, not a closed door.
- Self employed friendlyOptions for business owners and people whose income does not fit a standard pay stub.
- Local relationships, wherever you areRooted in Melville, NY, with loan originators who work alongside agents, contractors and community partners in the markets they serve.
“Sometimes people don't feel that they are mortgageable. I can't encourage it enough to start with a conversation that goes through what options are available, or at least creates a plan. The fun of this business is showing somebody, here is how you can do it.”Joe Vultaggio, VP, Retail Market Leader
Home office on Long Island, team members in multiple states
Licensing varies by loan originator and state. Verify any loan originator at NMLS Consumer Access.
Ready to talk about your home?
Call the office or start a chat below. A quick conversation, no obligation.